Whilst your point 1) is correct, it is irrelevant for Judo. They are not an online bank, they have a relationship model. Secondly, they are the only start up bank that has been successful as they actually raised capital for lending first, rather than developing a digital front-end and thinking that would be enough for deposits / capital to come...
With scale they will build / strengthen their systems and tech which is pretty clear in their strategy as they look to drive down CTI
Whilst your point 1) is correct, it is irrelevant for Judo. They...
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